AML & KYC Policy

Valtr Exchange Bank operates a comprehensive AML program aligned with FATF recommendations and local regulation in every jurisdiction where we operate.

We verify the identity of every customer through document verification, biometric matching and sanctions screening before activating accounts.

Ongoing monitoring detects unusual patterns; suspicious activity is reported to the relevant Financial Intelligence Units in line with applicable law.

Enhanced Due Diligence applies to Politically Exposed Persons, high-risk industries and jurisdictions.

Valtr Exchange complies with the Common Reporting Standard (CRS), through which participating countries automatically exchange financial account information to combat tax evasion, and with FATCA, the U.S. framework requiring reporting of accounts held by U.S. taxpayers to the IRS. A country not participating in CRS is not unregulated — it simply follows a different reporting framework.

We protect client confidentiality, especially for high-net-worth individuals, while remaining fully bound by AML laws, KYC requirements, court orders and regulatory investigations. Privacy is not secrecy: a lower public profile never exempts a bank from banking law.